WallStSmart

Royal Bank of Canada (RY)vsUniversal Insurance Holdings Inc (UVE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 3858% more annual revenue ($63.42B vs $1.60B). RY leads profitability with a 33.1% profit margin vs 12.2%. UVE trades at a lower P/E of 6.0x. RY earns a higher WallStSmart Score of 68/100 (B-).

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

UVE

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 7.5Value: 6.7Quality: 8.5
Piotroski: 6/9Altman Z: 1.65

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

UVE5 strengths · Avg: 9.0/10
P/E RatioValuation
6.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
38.9%10/10

Every $100 of equity generates 39 in profit

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
30.6%8/10

Earnings expanding 30.6% YoY

Areas to Watch

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

UVE3 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.654/10

Distress zone — elevated risk

Market CapQuality
$1.15B3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-0.3%2/10

Revenue declined 0.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.

Bull Case : UVE

The strongest argument for UVE centers on P/E Ratio, Return on Equity, Debt/Equity.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Bear Case : UVE

The primary concerns for UVE are Altman Z-Score, Market Cap, Revenue Growth.

Key Dynamics to Monitor

RY profiles as a mature stock while UVE is a declining play — different risk/reward profiles.

RY carries more volatility with a beta of 0.92 — expect wider price swings.

RY is growing revenue faster at 7.5% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Bottom Line

RY scores higher overall (68/100 vs 66/100), backed by strong 33.1% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Royal Bank of Canada

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.

Universal Insurance Holdings Inc

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Universal Insurance Holdings, Inc., is an integrated insurance holding company in the United States. The company is headquartered in Fort Lauderdale, Florida.

Visit Website →

Want to dig deeper into these stocks?